Thanks for the comments and for looking all! I really appreciate the feedback. It seems that #3 is the overwhelming favorite here. Actually that is among the last 5 shots that I took during that rainy day. I was cold and drenched and heading back to my car after a couple of hours of walking around. I'm glad that this opportunity was offered to me before I called it quits.
I'm glad someone liked #2 too. Marie did you see the second lady? You're absolutely right about #1 too, the whites were blown out a bit.
About the borders, it was done with a layer mask with the rectangular marquee drawn just within the borders, and feathered a bit. Blending modes were applied, for #1, it was Color Burn, and for #3, Multiply. I often use Multiply more than anything else.
Thanks again all for the encouraging comments, and constructive criticism and questions, as I said I really appreciate the feedback. Adam, is ever I get the guts and material to put up a show, you'll be the first to know. You still have that 1DIIN of yours? After shooting in the rain I think I need a weatherproof body.
Thanks all!